Core Insights - The top five mortgage lenders have seen little change in rates, remaining mostly in the sub-6% range, with any modifications being incrementally higher [1] - Navy Federal offers the best rate at 5.5%, with an APR of 5.614%, unchanged from the previous week [3][4] - A significant difference of 1.185 percentage points exists between the top lender, Navy Federal, and the lowest-ranked lender, Third Federal [4] Mortgage Rates Overview - The survey conducted by Yahoo Finance ranks lenders based on their annual percentage rate (APR), which includes lender fees [1][14] - The lowest offered rate remains at 5.5%, with Navy Federal leading the list of surveyed lenders [3] - Wells Fargo, Bank of America, PNC, Flagstar Bank, Rocket Mortgage, and Third Federal did not make the top 10 based on APR [3] Shopping for Mortgage Rates - Borrowers can save an average of $44,000 over the life of a 30-year loan by shopping around for mortgage rates [7] - The APR is emphasized as the most important number to consider, as it includes both the interest rate and lender fees [8] - Lenders often include discount points to lower their offered interest rates, which can be optional for borrowers [9][10] Special Offers and Discounts - Lenders are increasingly offering special discounts on interest rates and fees, with examples like Citi Mortgage providing $500 off closing costs [11] - Borrowers are encouraged to ask lenders for any concessions if they are not currently promoting discounts [12] Simplifying the Process - When shopping with multiple lenders, it is recommended to request quotes with zero discount points and focus on the APR for accurate comparisons [13]

Core Insights - The current mortgage lending landscape shows that five out of the top ten lenders are offering rates just below 6% as per the Yahoo Finance survey [1][3] - Navy Federal has maintained its position as the top lender for four consecutive weeks, with Chase Home Loans closely following as a strong competitor [3][4] - The survey indicates a 1.279 percentage point difference in APR between the top lender, Navy Federal, and the lowest-ranked lender, Rocket Mortgage [4] Mortgage Rates Overview - The survey conducted from January 20-25, 2026, highlights the best interest rates for 30-year fixed-rate conventional loans [2] - Among the 16 lenders surveyed, PNC, Citizens Bank, Bank of America, Flagstar Bank, Third Federal, and Rocket Mortgage did not make the top 10 based on APR [3] Importance of APR - The APR is emphasized as a crucial metric for borrowers, as it encompasses both the interest rate and lender fees, providing a more accurate measure of annual borrowing costs [8][14] - Borrowers are advised to focus on APR rather than just the interest rate, which is often highlighted by lenders [8] Shopping for Mortgage Rates - It is recommended that borrowers shop around for mortgage rates, which could potentially save them an average of $44,000 over the life of a 30-year loan [7] - When comparing rates, borrowers should request quotes with zero discount points to facilitate an accurate side-by-side comparison of rates and fees [13] Special Offers and Discounts - Lenders are increasingly offering special discounts on interest rates and fees, with Chase Home Loans leading the way earlier this year [11] - For instance, Citi Mortgage is currently offering $500 off closing costs as part of their promotional efforts [11] Discount Points - Discount points are described as prepaid interest that can lower the interest rate, with one point typically costing 1% of the loan amount and reducing the rate by about 0.25% [10] - Borrowers have the option to decline discount points, which would result in a higher interest rate [10]

Of the top 10 mortgage lenders we scanned this week, five are still offering rates just below 6%. The Yahoo Finance survey ranks lenders by annual percentage rate (APR), which includes lender fees. The mortgage lenders with the best rates: Jan. 26-31, 2026 Here are the 10 mortgage lenders with the best interest rates this week, as determined by our survey of the lowest mortgage rates on 30-year, fixed-rate conventional loans. The following numbers are each lender’s annual percentage rate (APR). 5 lend ...

Of the top 10 mortgage lenders we scanned this week, five are still offering rates just below 6%. The Yahoo Finance survey ranks lenders by annual percentage rate (APR), which includes lender fees. The mortgage lenders with the best rates: Jan. 20-25, 2026 Here are the 10 mortgage lenders with the best interest rates this week, as determined by our survey of the lowest mortgage rates on 30-year, fixed-rate conventional loans. The following numbers are each lender’s annual percentage rate (APR). 5 lend ...

Core Insights - The top five mortgage lenders have reduced their rates to the sub-6% range, indicating a competitive market for mortgage loans [1][3] - Navy Federal leads the survey with an offered interest rate of 5.5% and an APR of 5.614% after accounting for discount points [3][4] - A significant difference of 1.185 percentage points exists between the top lender and the lowest-ranked lender, Third Federal [4] Mortgage Rate Trends - The current mortgage rates reflect a new low territory for the past few years, with the lowest offered rate now at 5.5% [3] - The survey included 16 lenders, with notable exclusions from the top 10 such as Wells Fargo, Bank of America, and Rocket Mortgage [3] Importance of APR - The annual percentage rate (APR) is emphasized as the most critical figure for borrowers, as it encompasses both the interest rate and lender fees [8] - Borrowers are advised to focus on APR rather than just the offered interest rate to understand their total borrowing costs [8] Shopping for Mortgage Rates - Shopping around for mortgage rates can lead to significant savings, potentially up to $44,000 over the life of a 30-year loan [7] - It is recommended that borrowers request quotes from multiple lenders without discount points to facilitate accurate comparisons [14] Special Offers and Discounts - Lenders are increasingly offering special discounts on interest rates and fees, with examples such as Citi Mortgage providing $500 off closing costs [12] - Borrowers are encouraged to inquire about any available concessions if a lender is not currently promoting discounts [13]

Core Insights - The top three mortgage lenders with the best rates are Navy Federal Credit Union, Citi Mortgage, and PenFed Credit Union, with slight changes in ranking this week [1] - The consistency in the rankings of mortgage lenders indicates a stable market, with major players like Citi and Chase remaining in the top five alongside credit unions [3] - A significant difference of 1.185 percentage points in APR exists between the top lender and the bottom, highlighting the importance of comparing rates among multiple lenders [4] Mortgage Lender Rankings - The top ten mortgage lenders as of December 8, 2025, include Navy Federal, Citi, PenFed, and Truist, with Citizens Bank making a notable rise into the top ten [2][4] - Wells Fargo, Flagstar Bank, Fifth Third Bank, PNC, Rocket Mortgage, and Third Federal did not make the top ten based on APR [4] Shopping for Mortgage Rates - Borrowers can save up to $44,000 over the life of a 30-year loan by shopping around for the best mortgage rates [7] - Promotional rates are becoming more common, with lenders like Chase Home Lending offering limited-time rate reductions [8] Importance of APR - The APR is a crucial metric as it encompasses both the interest rate and lender fees, providing a more accurate measure of borrowing costs [10] - Borrowers are advised to focus on APR rather than just the interest rate when comparing mortgage offers [10] Discount Points - Lenders may offer discount points to lower interest rates, which are prepaid interest fees that can reduce the overall rate [11][12] - Each point typically costs 1% of the loan amount and can lower the interest rate by approximately 0.25% [12] Simplifying the Process - When comparing rates, borrowers should request quotes with zero discount points from multiple lenders to facilitate an accurate comparison of APRs [13]